Ford Fusion S 4-Dr Sedan Insurance Rates

U.S. average insurance prices for a Ford Fusion S 4-Dr Sedan are $1,374 every 12 months for full coverage insurance. Comprehensive costs around $312, collision insurance costs $540, and liability coverage costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $2,958. Teenage drivers pay the highest rates at up to $5,050 a year.

Annual premium for full coverage: $1,374

Price estimates for type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Fusion Trim Level

Geographic Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.

These price ranges illustrate why everyone should compare prices for a specific zip code and their own driving history, rather than using average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Ford Fusion S 4-Dr Sedan are also quite variable based on deductibles and policy limits, your risk profile, and the actual cash value of your Fusion.

Using high physical damage deductibles could cut rates by as much as $570 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Ford Fusion S 4-Dr Sedan insurance for high-risk drivers can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Ford Fusion S 4-Dr Sedan insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates may be quite different.

View Chart as Image

The chart estimates Ford Fusion S 4-Dr Sedan insurance rates for various coverage choices and risks. The cheapest rate with discounts is $795. Drivers who use higher $1,000 deductibles will pay $1,182. The average rate for a driver age 40 with no violations using $500 deductibles is $1,374. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,750. Drivers with multiple violations and accidents could be charged at least $2,958. The rate for full coverage insurance for a 16-year-old driver can be as high as $5,050.

View Chart as Image